PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$56.86

Market cap

$2.98B

P/E Ratio

4.52

Dividend/share

$0.8

EPS

$12.59

Enterprise value

$10.96B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
The debt has dropped by 51% year-on-year and by 3.4% since the previous quarter
The company's gross margin rose by 3.3% YoY
The price to earnings (P/E) is 16% higher than the last 4 quarters average of 3.8 but 10% lower than the 5-year quarterly average of 4.9
The company's net income has shrunk by 54% YoY and by 9% QoQ
PennyMac Financial Services's EPS has decreased by 43% YoY and by 5% from the previous quarter
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
52.46M
Market cap
$2.98B
Enterprise value
$10.96B
Valuations
Price to earnings (P/E)
4.52
Price to book (P/B)
0.89
Price to sales (P/S)
1.16
EV/EBIT
11.12
EV/EBITDA
10.66
EV/Sales
4.14
Earnings
Revenue
$2.65B
EBIT
$985.71M
EBITDA
$1.03B
Free cash flow
$7.29B
Per share
EPS
$12.59
Free cash flow per share
$134.57
Book value per share
$63.57
Revenue per share
$48.91
TBVPS
$263.49
Balance sheet
Total assets
$14.27B
Total liabilities
$10.81B
Debt
$9.4B
Equity
$3.46B
Working capital
N/A
Liquidity
Debt to equity
2.71
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.76
Margins
EBITDA margin
38.8%
Gross margin
97.7%
Net margin
27.4%
Operating margin
37.2%
Efficiency
Return on assets
4.3%
Return on equity
21%
Return on invested capital
3.5%
Return on capital employed
N/A
Return on sales
37.2%
Dividend
Dividend yield
1.41%
DPS
$0.8
Payout ratio
6.4%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
2.62%
1 week
3.66%
1 month
20.31%
1 year
-18.3%
YTD
-18.52%
QTD
30.08%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$2.65B
Gross profit
$2.59B
Operating income
$985.71M
Net income
$725.15M
Gross margin
97.7%
Net margin
27.4%
PennyMac Financial Services's operating income has shrunk by 54% YoY and by 9% QoQ
The company's net income has shrunk by 54% YoY and by 9% QoQ
PennyMac Financial Services's operating margin has decreased by 33% YoY
The net margin has declined by 33% year-on-year

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
P/E
4.52
P/B
0.89
P/S
1.16
EV/EBIT
11.12
EV/EBITDA
10.66
EV/Sales
4.14
PennyMac Financial Services's EPS has decreased by 43% YoY and by 5% from the previous quarter
The price to earnings (P/E) is 16% higher than the last 4 quarters average of 3.8 but 10% lower than the 5-year quarterly average of 4.9
The price to book (P/B) is 21% lower than the 5-year quarterly average of 1.1 and 13% lower than the last 4 quarters average of 1.0
The revenue has decreased by 31% YoY and by 8% from the previous quarter
PFSI's price to sales (P/S) is 2.7% higher than its 5-year quarterly average of 1.1 and 2.7% higher than its last 4 quarters average of 1.1

Efficiency

How efficient is PennyMac Financial Services business performance
The ROE has plunged by 55% YoY and by 9% from the previous quarter
PennyMac Financial Services's ROS has decreased by 33% YoY
The company's return on assets fell by 19% YoY but it rose by 2.4% QoQ
The company's return on invested capital fell by 13% YoY but it rose by 6% QoQ

Dividends

What is PFSI's dividend history
Dividend details
DPS
$0.8
Dividend yield
1.41%
Payout ratio
6.4%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 32% more than its total liabilities
PennyMac Financial Services's total liabilities has decreased by 47% YoY and by 3.3% QoQ
PennyMac Financial Services's total assets has decreased by 40% YoY and by 2.4% from the previous quarter
The debt is 171% greater than the equity
The debt has dropped by 51% year-on-year and by 3.4% since the previous quarter
PFSI's debt to equity has dropped by 50% year-on-year and by 4.2% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.